Call reports 2014
CITIZENS COMMUNITY BANK — 2014
What CITIZENS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 165,338,000 | 162,660,000 | 166,325,000 | 167,009,000 |
| Total loans | 125,418,000 | 129,862,000 | 131,337,000 | 135,661,000 |
| Allowance for loan losses | 1,995,000 | 2,006,000 | 2,038,000 | 1,945,000 |
| Securities available for sale | 19,212,000 | 18,756,000 | 18,227,000 | 17,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,911,000 | 139,663,000 | 142,389,000 | 142,879,000 |
| Interest-bearing deposits | 120,353,000 | 118,129,000 | 117,771,000 | 118,484,000 |
| Noninterest-bearing deposits | 21,558,000 | 21,534,000 | 24,618,000 | 24,395,000 |
| Equity capital | 21,151,000 | 21,378,000 | 21,540,000 | 21,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,507,000 | 5,240,000 | 6,979,000 |
| Interest expense | 324,000 | 636,000 | 957,000 | 1,256,000 |
| Net interest income | 1,477,000 | 2,871,000 | 4,283,000 | 5,723,000 |
| Noninterest income | 203,000 | 395,000 | 594,000 | 741,000 |
| Noninterest expense | 1,283,000 | 2,618,000 | 3,991,000 | 5,257,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 397,000 | 648,000 | 886,000 | 1,207,000 |
| Income tax | 118,000 | 188,000 | 251,000 | 355,000 |
| Net income | 279,000 | 460,000 | 635,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,273,000 | 20,584,000 | 20,818,000 | 21,049,000 |
| Total capital | 21,830,000 | 22,148,000 | 22,422,000 | 22,680,000 |
| Risk-weighted assets | 124,158,000 | 124,638,000 | 127,896,000 | 130,198,000 |